Get & compare mortgage quotes anonymously Start in My Home
UHL
Unclaimed

United Home Loans

Independent Mortgage Company•Chicago, ILHQ•Direct•Reviews near you on Google

We analyzed every closed loan from United Home Loans — 529 loans across 637 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Sound
3/5
FHA · Conventional
Place
Sound
3/5
Multi-Region · 4 mkts
Promptness
Not enough data
—/5
No quote responses measured yet

Safe Rate Summary

What They Do Well

  • Strong pull through performance

Things to Think About

  • Pricing may be below industry average

Explore another lender or local market

Report Card

United Home Loans performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+40.4 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
496 loans · 0.40% above market
Sound
Top 60% of lenders
3/5
FHA
18 loans · 0.64% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
464 loans · 0.43% above market
Sound
Top 60% of lenders
3/5
Refinance
65 loans · 0.22% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 markets
Sound
Top 60% of lenders
3/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume496
Mix93.8%
Spread
+0.401%Above
Fees
$1,864Fees
FHA Loans
Overall
Sound
Product
Sound
Pricing—
Pull Through
Strong
Volume18
Mix3.4%
Spread
+0.643%Above
Fees
$1,660Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume464
Mix87.7%
Spread
+0.430%Above
Fees
$2,040Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Strong
Volume65
Mix12.3%
Spread
+0.221%Above
Fees
$708Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
529
Applications
637
Volume
$209 million
Pricing & Closing
Avg Rate Spread
+0.404%
vs. market APOR
Avg Net Fees
$1,874
Origination − Credits
Pullthrough Rate
83.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$396,021
Avg Borrower Income
$206,905
Avg Property Value
$540,028

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
19
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

19Full-year 2024 · HMDA
19 states with loan originations
Loans originated
< 1010–2020+None
Northeast1
PA
Midwest6
ILINMIMNOHWI
South9
ALFLGAKYMDNCSCTNTX
West3
AZCACO

Top Metro Areas by Place Specialization Score

1© John Picken; derivative by Georgfotoart · CC BY 2.0
Chicago, ILMetro
Volume 389Mix 73.53% of portfolio
82/100
Exceptional
2© G LeTourneau · CC BY-SA 3.0
Elgin, ILMetro
Volume 25Mix 4.73% of portfolio
57/100
Sound
3© Richie Diesterheft from Chicago, IL, USA · CC BY 2.0
Lake County, ILMetro
Volume 14Mix 2.65% of portfolio
49/100
Sound
4© Quintin Soloviev · CC BY 4.0
Nashville, TNMetro
Volume 18Mix 3.40% of portfolio
48/100
Sound

Top States by Place Specialization Score

Illinois
Illinois
1
IllinoisState
Volume 435Mix 82.23% of portfolio
81/100
Exceptional
Tennessee
Tennessee
2
TennesseeState
Volume 21Mix 3.97% of portfolio
46/100
Sound
Wisconsin
Wisconsin
3
WisconsinState
Volume 12Mix 2.27% of portfolio
41/100
Sound
Michigan
Michigan
4
MichiganState
Volume 12Mix 2.27% of portfolio
40/100
Sound
Indiana
Indiana
5
IndianaState
Volume 11Mix 2.08% of portfolio
39/100
Acceptable

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

Are you the owner of United Home Loans?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile
The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.